In the afternoon 1 1, comics are often paid the next day. The time to reach POS by swiping the card is actually related to the brand of POS. Generally t+ 1 and T+0. T+ 1 means swiping the card on the same day and receiving it on the next working day; T+0 refers to the arrival of goods on the same day (except holidays). After 22 o'clock, it is usually T+ 1, and it rarely arrives on the same day.
1. If you swipe your card after 1 1 in the afternoon, it will be t+ 1 on Saturday, weekend or other holidays, that is, it will arrive next Tuesday. Credit cards can be swiped at any time, but if you want to swipe your card, it is best to swipe your card between 6 pm and 10:00, which is also the most concentrated time for consumption. Credit card withdrawal cycle and card swiping matters: it is strictly forbidden for people's livelihood or capped merchants to swipe their cards in large quantities after 8 pm. It is strictly forbidden to check the transaction balance repeatedly on the same machine before swiping the card. The bank will think you want to cash it, especially in large amounts. Therefore, it is also forbidden to brush the wrong card password for more than 2 times. Especially at night, the suspicion of fake cards is particularly great. 1.25% interest rate will not be frozen as long as the balance is not checked repeatedly and the wrong password is not swiped repeatedly. The rate of 0.78% will not freeze at night, as long as it is not too big, such as more than 23,000 and 44,000.
2. In short: Generally speaking, the business hours of most shopping centers are from 8:30 am to evening 10. It is unreasonable to spend 65438+ at 0: 00 in the morning in the mall. The bank will doubt the purpose of your transaction and impose strict risk control on you. Reducing the credit card limit or sealing the card is a matter of minutes. But it's also one or two in the morning. If you spend money in a bar or nightclub, the bank will not treat you as an abnormal transaction.
3. So it's not that credit cards have a prescribed time to swipe their cards, but that they need to be spent in places that conform to common sense and convention. Some people use credit cards to withdraw cash, but they completely ignore the time of swiping their cards. Naturally, they can't blame the bank for reducing the quota and sealing his credit card. In addition, besides time, the amount of credit card is also very important. If your credit card has an unreasonable consumption amount, it will also be regarded as an abnormal transaction by the bank. And the frequency of swiping cards. There are always some people who think that as long as the amount and time of swiping the card are well controlled, you can swipe the card to withdraw cash without trace. But in fact, frequent card swiping in the store will also attract the attention of banks. As long as the bank detects your abnormal transaction, it will immediately reduce the amount or seal your credit card.
When we use credit cards, we should never be smart enough to think that we can escape the eyes of banks. Although some cardholders may say that their withdrawals have not been discovered by the bank. But in fact, it's not that the bank didn't find it, but that you occasionally withdraw cash and the bank doesn't care. For those who ignore the bank's risk control, the bank will handle it unscrupulously. Everyone should keep in mind the taboos of using these credit cards. Otherwise, the sign will be reduced, and the card will be closed. If it is serious, it may be prosecuted and sentenced by the bank.